Search found 3595 matches

by rustymutt
Fri Oct 20, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Strange email from Equifax
Replies: 14
Views: 1756

Re: Strange email from Equifax

Good luck with contacting that firm. OMG what a mess they've created.
by rustymutt
Fri Oct 20, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance
Replies: 36
Views: 1586

Re: Whole Life Insurance

Try to parse out the return going to existing cash value, and return to new premiums and how much is the pure cost of insurance. Sounds like your getting an amazing deal, which makes me think it's not accurate. Ask for an in force illustration. Cash out now, and invest into low cost index funds. Bu...
by rustymutt
Fri Oct 20, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: One Total Market Index Fund vs Three Different Cap Index Fund
Replies: 14
Views: 1226

Re: One Total Market Index Fund vs Three Different Cap Index Fund

You might consider Vanguard's Balanced Fund with a 60/40 equities to bonds ratio. No rebalancing required is a huge benefit, if like to set it, and just forget it, as I do. I don't worry about the markets up's/down's turnarounds, rebounds, or junk in media circles. Simply follow the academics studie...
by rustymutt
Fri Oct 20, 2017 9:11 am
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 6499

Re: Has your "risk tolerance" been tested?

It builds true character into those willing, able, and ready.
by rustymutt
Fri Oct 20, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Strange email from Equifax
Replies: 14
Views: 1756

Re: Strange email from Equifax

At this point I'd be striving to minimize contact with these companies. They've had to surge a lot of temp staff to do "customer service". I'd be concerned that each additional contact just increases the likelihood of further errors. +1. And just fyi: Anytime you try to change information in your c...
by rustymutt
Thu Oct 19, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 2771

Re: Finally a win for teachers!!

This is AWESOME! Justice For All.
by rustymutt
Thu Oct 19, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 62
Views: 9257

Re: Amazed by Vanguard Wellington's Performance

Are there any active funds that really cause you to consider that maybe it really is possible to outperform indexes? For me, Wellington definitely has to be one of them. Just for fun, I occasionally sometimes go to www.portfoliovisualizer.com and run comparisons. About a week or two ago, I wanted t...
by rustymutt
Wed Oct 18, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Recommendations on truck/suv/crossover/wagon with comfortable seating
Replies: 11
Views: 748

Re: Recommendations on truck/suv/crossover/wagon with comfortable seating

I just traded my 15 4Runner in for a 17 GMC Sierra truck. I didn't like the 4Runner at all. Very tight spaces and no leg room for me, at 6'4" tall. The software in it was odd at best. Couldn't roll back window up with any door open. Could roll down, just not up. I get 2 mpg better gas milage in my G...
by rustymutt
Wed Oct 18, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6320

Re: Larry Swedroe:Better To Face The Correction

Yeah, like he said. Can't take it with me when I go anyway. Leave it invested. That's how I see it myself. Can't do any better or any worst than the markets allow for. Take the positive long term slope, and live within your means.
by rustymutt
Wed Oct 18, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 4791

Re: The overselling of international diversification

Long Term diversification does work, but most of us don't have the patience to hang in there that long. I didn't, and hold US equities at this time.
by rustymutt
Tue Oct 17, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17865

Re: Fellow TDA bogleheads

I just sent message to TDA telling them how disappointed and annoyed with this change I am. I think everyone who uses TDA and does not like this change should let them know. Simply put, this change makes TDA non-competitive in the area of comission-free ETF trading and will force my household to mo...
by rustymutt
Tue Oct 17, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 333
Views: 17865

Re: Fellow TDA bogleheads

Grt2bOutdoors wrote:
Sat Oct 14, 2017 4:16 pm
No problemo, use Vanguard brokerage, Vanguard ETF's galore! :D
Bingo!
by rustymutt
Mon Oct 16, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 106
Views: 6246

Re: How does everyone keep track of your portfolio?

Another advantage to owning few funds. I've but 1 fund, the Vanguard Balanced 60/40. I can Google it anytime, or use the free Morningstar sheets to have an online peek. Plus low cost oversight.
by rustymutt
Fri Oct 13, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1229

Re: Building additional garage - recommendations?

When I built my current house back in 1999, I had a 220V outlet put in the garage for my 1980's Sears 12 inch planer. As time went by, I bought a 12.5 inch wide Dewalt planer, which only needs 110V. So the old 220V Sears planer sets unused in the garage taking up floor space (I use it once a year m...
by rustymutt
Fri Oct 13, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 14807

Re: Dividends vs. Capital Gains for Spending Needs?

I opp for the Capital Gain s myself. Growth, with annual average return over the last 10 years at 8%, has my portfolio growing, despite yearly withdraws. (less then 3%) It's doing as model academically with much less risk, and lowest costing fund.
by rustymutt
Fri Oct 13, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1229

Re: Building additional garage - recommendations?

Might as well turn it into a mother-in-law pad. Two story with an elevator to more storage overhead. Turn it into living space and reap more return in the future. A spa and heated pool would add a nice touch to the property. Incorporate, lol
by rustymutt
Thu Oct 12, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6922

Re: Larry Swedroe: Non-US Valuations Look Attractive

Actually, a large % of US company revenue is from internationally. So even if you are 100% in US stock, you still have exposure to Intl market. It goes both ways, so that argument nulls itself out. I guess I'm a contrarian, I'm all US equities and bonds. I use to hold 50% foreign stocks, but not an...
by rustymutt
Wed Oct 11, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13799

Re: [Boglehead vs Mr Money Mustache philosophies]

I sometimes reuse paper plates. Hey I'm an Okie.
by rustymutt
Tue Oct 10, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3691

Re: Wifi Thermostat

What security is built into these things? Is this as simple as a Jeep Grand Cherokee to break into and get into someone's home computer? I think that would be my first question. All can be hacked. It is recommended to connect them to a guest network, not to the main wi-fi. I have installed some Nes...
by rustymutt
Tue Oct 10, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3691

Re: Wifi Thermostat

Make sure you've got good reliable wi/Fi signal where you need it. Wired is always better in my engineering book.
:beer
by rustymutt
Thu Oct 05, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1539
Views: 272532

Re: What are you up YTD? [Year To Date]

I weighed in this morning at 230, up 5 pounds. Back to my diet.
by rustymutt
Thu Oct 05, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3173

Re: We're Debt Free (Except our House)!

Toons wrote:
Tue Oct 03, 2017 12:35 pm
" Pay more towards our mortgage?"
Personally?
Yes,Without a shred of doubt :happy
Agreed!
by rustymutt
Thu Oct 05, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3173

Re: We're Debt Free (Except our House)!

Yessssssssssssssssssssssssssss, I love to hear these victories for staying debt free! Push on master of your own destiny, and keep the banks out of your life. Learn to love life below your means, and you'll be a happier person, family, business, or country. Now join with us teaching others this impo...
by rustymutt
Mon Oct 02, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Oil stains: How to treat?
Replies: 12
Views: 1421

Re: Oil stains: How to treat?

For small spots I use Goof Off spray, then immediately mop that up with a paper towel, and repeat. Then put down powered concrete on top of the spot. In a day or 2 after sweeping up the concrete, you can't see any difference. Sealing the garage floor also helps with cleanup.
by rustymutt
Sat Sep 30, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Don't Walk RUN from AT&T - no prorate on last bill
Replies: 13
Views: 1483

Re: Don't Walk RUN from AT&T - no prorate on last bill

AT&T has automated everything to my discuss. Just try to get hold a live person. If you do, after 30-45 minute delay, they have a foreign accent. India most likely. It's become a high tech marketing firm. Confuse and conquer the buying public.
by rustymutt
Sat Sep 30, 2017 10:11 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9029

Re: Bogleheads you would most like to meet and why?

Who would you like to meet most for a cup of coffee other than Jack Bogle (I'm up for that!) Mine are: 3) Toons- I like his advice and his avatar makes me think he enjoys life! 2) Taylor Larimore- I have learned volumes reading his posts and of course, books! 50+ years of investing experience gives...
by rustymutt
Sat Sep 30, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Portfolio Rebalancing
Replies: 8
Views: 546

Re: Portfolio Rebalancing

And I've read studies were not rebalancing at all pays off, because of momentum. So you can find a study supporting any position, if you look hard enough. Yeah, I pointed that out in the comment you quoted. It was addressed in the Vanguard study that I linked. :) I view rebalancing as a way to cont...
by rustymutt
Sat Sep 30, 2017 10:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9029

Re: Bogleheads you would most like to meet and why?

I'd like to meet the military vets, and shake all their hands. Letting them know how much their sacrifice means to me, personally.
Taylor jumps out for me, as my father also was a WII vet. Again, thanks to all our vets for their service. :sharebeer
by rustymutt
Sat Sep 30, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2689

Re: Caught by speed camera

Thanks for being honest about it. I'm no angel, as I've received more than my share of speeding tickets. But I learned fast as a young man that you pay a price for ignorance of the speed limits, and now pay attention to my speed. I've 1 ticket in the last 39 years. Seems to me that the police don't ...
by rustymutt
Sat Sep 30, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Portfolio Rebalancing
Replies: 8
Views: 546

Re: Portfolio Rebalancing

I'm a newbie and my portfolio is still in the 5 figure range. I've just been rebalancing whenever I "feel" like it. It probably comes out to roughly a quarterly schedule. I don't recall my AA ever being off much more than 2% (keep in mind I've only been investing for 2 years, so I have never been e...
by rustymutt
Fri Sep 29, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Question: Why do people put/keep millions of dollars in investment accounts?
Replies: 66
Views: 8254

Re: Question: Why do people put/keep millions of dollars in investment accounts?

It's the only way to keep up with and pass by inflation. Despite the ups and downs of the market, it's got a long term slope that's positive. You won't get inflation protection with CDs, bonds, or savings accounts. That's my answer in a nut shell.
by rustymutt
Fri Sep 29, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Medicare Plan Details Now Available
Replies: 15
Views: 1236

Re: 2018 Medicare Plan Details Now Available

I get extremely confused with all the information I'm inundated with each year. I've got a pile of stuff to go through, and people at my benefits office to call to help me with the confusion. Last year they told me wrong, and I had no insurance during the month of January. Confuse and conquer. Best ...
by rustymutt
Fri Sep 29, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 388
Views: 46546

Re: Quicken's future direction - a cause for concern

Uncle Pennybags wrote:
Sat Feb 04, 2017 1:48 pm
Quicken sucks and I'm ready to dump it. The year they stop letting me do manual entries is the day I stop up grading. As it is with a fully paid current Quicken I have to enter a third of the transactions manually.

I feel the same way. I can get by without Quicken is they turn greedy.
by rustymutt
Thu Sep 28, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11320

Re: The Rolex and The Boglehead

I've never felt the need to defend my Timex watch buying habits. I freely admit to this. I also admit to being a time cheapskate. I hope this doesn't insult anyone. John Cameron Swayze also liked the cheap Timex watches. :sharebeer
by rustymutt
Thu Sep 28, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11320

Re: The Rolex and The Boglehead

The Timex and The Boglehead fits me to a T. 6 years ago and take a licking, and keeps on ticking.
by rustymutt
Thu Sep 28, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 6488

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

Who is Guy, and why should I listen to Guy? I've read the academics and they reached the conclusion along time before Guy. By the way, rebalancing is the same thing as buying on the dips. Sell high, buy low.
by rustymutt
Thu Sep 28, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4520

Re: $700 to install a dishwasher seem by a plumber?!

Professional ripoff artist abound anymore.
by rustymutt
Thu Sep 28, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7099

Re: VG using outsourcing to call me & I'm not happy

I voted my proxies, whenever I recieved the email asking me to. I wouldn't like a call like that myself, and would have second thoughts about even talking to someone with noises like this in the background. I'm thinking this caller should find a different occupation. Vanguard needs to take more care...
by rustymutt
Sun Sep 24, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5163

Re: Bogleheads monthly costs of dog ownership?

This thread is incomplete without a least one of these "types" of posts, so here goes... I do not own a dog. Me too. I love going to the dog park, and being asked which dog is mine. I answer that all of them are, and that it's less expensive this way. Great for lowering blood pressure also. I love ...
by rustymutt
Sun Sep 24, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 10
Views: 1317

Re: Favorite small Colorado towns near great fishing?

Montrose is a good spot. Close to the Gunnison River where Pres. Carter does his casting occasionally. Uncompahgre runs thru the town and there are lots of good spots for trout, especially for rainbows right below the Ridgway Dam. The East Portal adjacent to the Black Canyon National Park is great ...
by rustymutt
Sun Sep 24, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 10
Views: 1317

Re: Favorite small Colorado towns near great fishing?

Blue Mesa reservoir has exception fishing I'm told. Salmon, and lake trout in abundance. The Gunnison river is dammed up making this deep gorge reservoir. I recall seeing bighorn sheep along the banks years ago. Surely fly fishing is done here, but I'm not sure how, or where. They want the lake trou...
by rustymutt
Fri Sep 22, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5157

Re: Uplifted Driveway = No Home Owners Policy ?!

Just get the drive fixed. Would you want a loved one tripping over it? Can't be that much to fix it.
by rustymutt
Fri Sep 22, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3310

Re: Gaps in new hardwood flooring

Send it back with a message that Americans are tired of lousy businesses that sell crap not meeting specs, and if they can't do it, you'll find a company that can. And don't act afraid to tell them! :sharebeer
by rustymutt
Fri Sep 22, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 2449

Re: Phone Techies .....

Put a new battery in it and it's good to go. I've a 5c and love it. Paid for also.

https://www.amazon.com/ilovo-Rechargeab ... ew+battery
by rustymutt
Tue Sep 19, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25386

Re: Calling out the not so rich bogleheads

I'm not understanding your logic. We want everyone to have the knowledge and ability to be whatever they want financially. Most the questions I see don't have nothing to do with being a millionaire, but rather being informed about what's in your best interest. Are you feeling a bit left out? If so, ...
by rustymutt
Mon Sep 18, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29043

Re: Wow, Vanguard Flagship service is bad. Really bad.

I'd leave Vanguard if I were you. You will be leaving them won't you? Not sure where you'd go without having some other issues, but if it was as bad as you state, then I'd pack my bags.
by rustymutt
Mon Sep 18, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1595

Re: Color printer suggestions: high quality output, low cost of ink

I too recommend laser printers, and I've had great results with Brother printers for years.
by rustymutt
Fri Sep 15, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planner for Special Needs?
Replies: 2
Views: 271

Re: Financial Planner for Special Needs?

You might do well chatting with an estate attorney about creating a trust for this situation. I'm not sure how much estate you're going to have, but if I was in this situation, that's where I'd start at least. Good of you to start thinking about the end, cause it's coming for all of us some day.
by rustymutt
Fri Sep 15, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Is "Fall" grass fertilizer formulation really necessary?
Replies: 8
Views: 822

Re: Is "Fall" grass fertilizer formulation really necessary?

I fertilize my lawn in mid fall with Scotts Turf Builder. I never gave thought to using their "Winterguard Fall Lawn Food". I figured it was just a marketing ploy. So I Googled it to find out the difference and this is what I found: What’s the Difference? Fertilizer bags always have three numbers p...